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Catalyst Wealth Advisors
Optimize your financial life
Investment Management
Catalyst combines years of experience with powerful tools and research to directly manage client investment accounts. The following is intended to provide insight into our investment philosophy and process.
Philosophy
Long-term investment approach which targets attractive risk-adjusted returns over time
Client risk tolerance (willingness to take risk) and risk capacity (ability to take risk) guides the portfolio construction process
Asset allocation is tailored to each client and is monitored on an on-going basis
Globally diversified portfolio construction allows clients to access a global opportunity set
A total return approach – considers all sources of return in addressing client goals and objectives (interest, dividends and capital appreciation)
Tax implications are factored into both the initial portfolio construction and ongoing decision-making process
Employ thematic investing within client portfolios, where appropriate, in order to capitalize on powerful innovations and secular trends in the market
process
Catalyst is 100% independent, which means we are not bound by proprietary investments or corporate investment direction. We subscribe to institutional level research and leverage high-quality investment managers on behalf of our clients.
Fundamental Analysis
Considers the quality of metrics such as revenue, earnings per share, dividend yield, free cash flow, and relative valuation when making purchase and sale decisions.
Technical Analysis
Helps inform entry and exit points when buying and selling individual securities using metrics such as price trends and trading volume.
Supplemental Analysis
Economic forecasts, market commentary, institutional analyst coverage, quarterly earnings calls.
Wealth Planning
Catalyst believes in a comprehensive approach to financial planning while helping clients address needs in several areas of focus. The following is intended to provide insight into our wealth planning areas of expertise and our approach.
Topics we can discuss
Even a good investment plan can be undermined by failing to optimize for taxation. That is why we offer tax-efficient investment strategies that will support your long-term goals. We will always keep a keen eye on the potential tax impacts of any recommendations we make within your plan.
Whether you are already retired and looking to optimize your cash flow and withdrawal strategies, or simply want to put yourself in the best position to get there, we outline the necessary steps to make your plan a reality.
Navigating insurance can be time consuming and immensely complex. We take time to review your existing insurance coverages including life, health, disability, long-term care, and property and casualty. If coverages are inadequate based on your wealth plan, we will help coordinate efforts with trusted insurance agents to help get you there.
Life can change quickly, but our team is here to support you in your plans to make your wealth have an impact beyond you. We help our clients think through elements of their estate planning initiatives including wills, trusts, powers of attorney, and beneficiary designations. We can also coordinate with our clients’ estate planning attorney when it comes time to draft, execute, and implement estate planning documents.
Your wealth can make a difference in the world. If charitable giving is one of your goals, we can help you manage the process and ensure you receive tax benefits while making the most impact possible. For many families, it is important to share not merely money, but their vision for their wealth with the next generation. If you would like to do so, we can help you manage your legacy in a seamless and coordinated way.
Catalyst Wealth Planning Approach
Initial Consultation
We take the time up front before engaging to get to know you and clearly explain our wealth planning process, service offerings, and philosophy.
Discovery
We focus on reviewing your concerns, goals, and circumstances, which allows us to understand your unique needs and objectives.
Data Gathering
We collect any necessary information while helping you sort through your financial lives and get organized.
Investment Review
We review your initial portfolio asset allocation and holdings across all accounts while discussing the current state of the financial markets.
Plan Design
We work with you to analyze and evaluate your current financial status using our state-of-the-art financial planning software, eMoney Advisor. This may include powerful scenario modeling in eMoney’s “Decision Center”.
Plan Presentation
We present you with your Catalyst wealth planning deliverable, which includes a series of reports, recommendations, and action items.
Ongoing Monitoring
We assist you with the implementation of your recommendations and help refine your wealth plan as needed over time.
Catalyst 360°
Comprehensive financial planning and investment management
With our core offering, we give you a 360 degree look at your financial life and help you design a wealth plan to meet your goals. We set measurable checkpoints to implement a plan, evaluate your performance, and adjust recommendations as you progress toward your goals. As a part of this long-term relationship, we directly manage your portfolio, creating a custom investment management approach that aligns with your Catalyst 360° wealth plan.
Catalyst Effect
Ongoing Financial Planning
We believe that comprehensive and ongoing financial planning should be accessible to clients of all sizes. For an annual retainer, we offer an ongoing wealth planning process that empowers you to pursue the wealth you envision. Whether you need financial planning for your retirement, accumulation, college savings, cash flow, or other life stage, our service model and pricing is designed to be simple, without a required portfolio management relationship.
Annual fee ranges based on complexity and is paid quarterly
Catalyst Design
One-Time Financial Plan Engagement
Maybe you have a specific need right now, or could simply use a detailed blueprint to follow on your own as you work toward your financial goals. Catalyst Design offers an up-front, detailed financial plan with actionable recommendations. We do the work up front to determine your specific needs and appropriate fee level for the engagement using a defined scope of services. We then collaborate with you from the initial data gathering process through to the ultimate plan delivery meeting, where we present our detailed recommendations.
Project fee ranges based on complexity